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My husband and I were total opposite he was a big time spender while I'm yep I'm not afraid to admit it the "cheap one." The first year we were married was the hardest and we argued constantly about money because I had a "bill" schedule while he had another schedule...So I had to make him realize how much damage this was causing the both of us...he finally agreed to sit down and make a plan together. First we bought an eraser calendar board to put all our bill due dates on it, got a joint checking account and joint savings account. Now 2 years later the both of us have 1 individual savings goal and 1 savings goal together. We are working on our emergency account which is half way there and theres an occasional splurge in the month so we don't get bored of savings. All I have to say about this experience is that it took commitment, A LOT of patience, and so much communication to get us where we are today. I'm still "the cheap one" but he respects that and I'm just happy he realized that it's not BAD to be wise with one's money